Profit and loss statement

at 2023/12/31

Title items December 31, 2023                       TJS
Interest income753417930
Interest expense(299646544)
Net expenses of loan losses(92247314)

NET INTEREST INCOME

361524072
Net Income on foreign exchange operations 64937210
Fee and commission income 243224114
Fee and commission expense(80063329)
Other income44666658
NET NON-INTEREST INCOME 272764653
TOTAL OPERATING INCOME 634288725
OPERATING EXPENSES (358445764)
PROFIT BEFORE INCOME TAX 275842961
Income tax expense(55168592)
NET PROFIT220674369


at 2023/09/30

Title items September 30, 2023                       TJS
Interest income550796334
Interest expense(215088793)
Net expenses of loan losses(64582281)

NET INTEREST INCOME

271125260
Net Income on foreign exchange operations 40716946
Fee and commission income 183393263
Fee and commission expense(53163528)
Other income32781151
NET NON-INTEREST INCOME 203727832
TOTAL OPERATING INCOME 474853092
OPERATING EXPENSES (256897304)
PROFIT BEFORE INCOME TAX 217955788
Income tax expense(43591158)
NET PROFIT174364630


at 2023/06/30

Title items June 30, 2023                       TJS
Interest income354473031
Interest expense(132794411)
Net expenses of loan losses(41945550)

NET INTEREST INCOME

179733070
Net Income on foreign exchange operations 30396716
Fee and commission income 112977827
Fee and commission expense(33334526)
Other income44792122
NET NON-INTEREST INCOME 154832139
TOTAL OPERATING INCOME 334565209
OPERATING EXPENSES (172078293)
PROFIT BEFORE INCOME TAX 162486916
Income tax expense(32497383)
NET PROFIT129989533


at 2022/03/31

Title items March 31, 2023                       TJS
Interest income167800755
Interest expense(64262047)
Net expenses of loan losses(20598570)

NET INTEREST INCOME

82940138
Net Income on foreign exchange operations 17274000
Fee and commission income 53572905
Fee and commission expense(16058710)
Other income6601195
NET NON-INTEREST INCOME 61389390
TOTAL OPERATING INCOME 144329528
OPERATING EXPENSES (76616102)
PROFIT BEFORE INCOME TAX 67713426
Income tax expense(13542685)
NET PROFIT54170741


at 2022/12/31

Title items December 31, 2022                       TJS
Interest income 564652554
Interest expense(219236215)
Net expenses of loan losses(46123941)

NET INTEREST INCOME

299292398
Net Income on foreign exchange operations 278632395
Fee and commission income 239913075
Fee and commission expense(152203981)
Other income35289906 
NET NON-INTEREST INCOME 401631395
TOTAL OPERATING INCOME 700923793
OPERATING EXPENSES (304426433)
PROFIT BEFORE INCOME TAX 396497360
Income tax expense(79299472)
NET PROFIT317197888


at 2022/09/30

Title items September 30, 2022                       TJS
Interest income404971430
Interest expense(161953700)
Net expenses of loan losses(39913646)

NET INTEREST INCOME

203104084
Net Income on foreign exchange operations 225145151
Fee and commission income 176807746
Fee and commission expense(115981591)
Other income 24915845
NET NON-INTEREST INCOME 310887151
TOTAL OPERATING INCOME 513991235
OPERATING EXPENSES (221662855)
PROFIT BEFORE INCOME TAX 292328380
Income tax expense(58465676)
NET PROFIT233862704


at 2022/06/30

Title items June 30, 2022           
           TJS
Interest income261703380
Interest expense(107755588)
Net expenses of loan losses(27361584)

NET INTEREST INCOME

126586208
Net Income on foreign exchange operations 149307802
Fee and commission income 105346000
Fee and commission expense(79965513)
Other income20384442
NET NON-INTEREST INCOME 195072731
TOTAL OPERATING INCOME 321658939
OPERATING EXPENSES (141545683)
PROFIT BEFORE INCOME TAX 180113256
Income tax expense36022651
NET PROFIT144090605


at 2022/03/31

Title items March 31, 2022            
           TJS
Interest income128751650
Interest expense(52325023)
Net expenses of loan losses(12766361)

NET INTEREST INCOME

63660266
Net Income on foreign exchange operations 10609793
Fee and commission income 44361428
Fee and commission expense(16511773)
Other income11873070
NET NON-INTEREST INCOME 50332518
TOTAL OPERATING INCOME 113992784
OPERATING EXPENSES (68098122)
PROFIT BEFORE INCOME TAX 45894662
Income tax expense(9178933)
NET PROFIT36715729


at 2021/12/31

Title items December 31, 2021                        TJS
Interest income441060878
Interest expense(173584670)
Net expenses of loan losses(9734795)

NET INTEREST INCOME

257741413
Net Income on foreign exchange operations 13177129
Fee and commission income145303268
Fee and commission expense(43144883)
Other income62614468
NET NON-INTEREST INCOME 177949982
TOTAL OPERATING INCOME435691395
OPERATING EXPENSES (285086626)
PROFIT BEFORE INCOME TAX 150604769
Income tax expense(34639097)
NET PROFIT115965672


at 2021/09/30

Title items September 30, 2021                        TJS
Interest income318591579
Interest expense(120985088)
Net expenses of loan losses(1155853)

NET INTEREST INCOME


Net Income on foreign exchange operations 7981323
Fee and commission income109258781
Fee and commission expense(28693359)
Other income31545416
NET NON-INTEREST INCOME 120092161
TOTAL OPERATING INCOME316542799
OPERATING EXPENSES (199863380)
PROFIT BEFORE INCOME TAX 116679419
Income tax expense(26836267)
NET PROFIT89843152


at 2021/06/30

Title items June 30, 2021                        TJS
Interest income203755898
Interest expense(73175501)
Net expenses of loan losses7254190

NET INTEREST INCOME

137834587
Net Income on foreign exchange operations 3143264
Fee and commission income 71411865
Fee and commission expense(19983751)
Other income19971064
NET NON-INTEREST INCOME 74542442
TOTAL OPERATING INCOME 212377029
OPERATING EXPENSES (123920899)
PROFIT BEFORE INCOME TAX 88456130
Income tax expense(20344910)
NET PROFIT68111220


at 2021/03/31

Title items March 31, 2021             
           TJS
Interest income93426776
Interest expense(32146960)
Net expenses of loan losses5597725

NET INTEREST INCOME

66877541
Net Income on foreign exchange operations 2766745
Fee and commission income 35240180
Fee and commission expense(11219487)
Other income12822179
NET NON-INTEREST INCOME 39609617
TOTAL OPERATING INCOME 106487158
OPERATING EXPENSES (59819710)
PROFIT BEFORE INCOME TAX 46667448
Income tax expense(10733513)
NET PROFIT35933935


at 2020/12/31

Title items December 31, 2020 
           TJS
Interest income332525137
Interest expense(106492539)
Net expenses of loan losses10952893

NET INTEREST INCOME

236985491
Net Income on foreign exchange operations (1205021)
Fee and commission income 187675371
Fee and commission expense(44723689)
Other income12838586
NET NON-INTEREST INCOME 154585247
TOTAL OPERATING INCOME 391570738
OPERATING EXPENSES (277574993)
PROFIT BEFORE INCOME TAX 113995745
Income tax expense(36771552)
NET PROFIT77224193


at 2020/09/30

Title items September 30, 2020 
           TJS
Interest income243813188
Interest expense(79636360)
Net expenses of loan losses19132038

NET INTEREST INCOME

183308866
Net Income on foreign exchange operations (708597)
Fee and commission income 125202656
Fee and commission expense(27250404)
Other income7223403
NET NON-INTEREST INCOME 104467058
TOTAL OPERATING INCOME 287775924
OPERATING EXPENSES (199381284)
PROFIT BEFORE INCOME TAX 88394640
Income tax expense(20330768)
NET PROFIT68063872


at 2020/06/30

Title items June 30, 2020 
           TJS
Interest income
162802228
Interest expense
(53251994)
Net expenses of loan losses
9644369 

NET INTEREST INCOME

119194603
Net Income on foreign exchange operations 4668954
Fee and commission income 60699990
Fee and commission expense
(14286685)
Other income
3279036
NET NON-INTEREST INCOME 54361295

TOTAL OPERATING INCOME 173555898
OPERATING EXPENSES (139711870)
PROFIT BEFORE INCOME TAX 33844028
Income tax expense
(7784127)  
NET PROFIT
26059901 


at 2020/03/31

Title items March 31, 2020 
           TJS
Interest income
80992216   
Interest expense
(26607791)
Net expenses of loan losses
22131772  

NET INTEREST INCOME

76516197  
Net Income on foreign exchange operations
6185822
Fee and commission income 20847810
Fee and commission expense
(6169485)  
Other income
4196291 
NET NON-INTEREST INCOME
25065438
TOTAL OPERATING INCOME
101581635
OPERATING EXPENSES
(8553288)
PROFIT BEFORE INCOME TAX
16328407
Income tax expense
(3755533)  
NET PROFIT
12572874  


at 2019/12/31

Title items December 31, 2019
           TJS
Interest income
325164518   
Interest expense
(108874687)  
Net expenses of loan losses
4435829  

NET INTEREST INCOME

220725660  
Net Income on foreign exchange operations
42724712
Fee and commission income
82052225
Fee and commission expense
(29058387)  
Other income
24368870 
NET NON-INTEREST INCOME
120087420
TOTAL OPERATING INCOME
340813080
OPERATING EXPENSES
(264255829)
PROFIT BEFORE INCOME TAX
76557251
Income tax expense
(17608168)  
NET PROFIT
58949083  


at 2019/09/30

Title items September 30, 2019
           TJS
Interest income
240534756  
Interest expense
-82231120  
Net expenses of loan losses
13083196  

NET INTEREST INCOME

171386832  
Net Income on foreign exchange operations
31 521 822  
Fee and commission income
56 717 063  
Fee and commission expense
-20894446  
Other income
17046432  
NET NON-INTEREST INCOME
84390871  
TOTAL OPERATING INCOME
255777703 
OPERATING EXPENSES
-182035003  
PROFIT BEFORE INCOME TAX
73742700  
Income tax expense
-16960821  
NET PROFIT
56781879  


at 2019/06/30

Title items June 30, 2019
           TJS
Interest income
160776242
Interest expense
(56 279 996)
Net expenses of loan losses
13234780

NET INTEREST INCOME

117731026
Net Income on foreign exchange operations
20043328
Fee and commission income
33923940
Fee and commission expense
(14 367 812)
Other income
9456677                  
NET NON-INTEREST INCOME
49056133             
TOTAL OPERATING INCOME
166787159              
OPERATING EXPENSES
(119 510 814)
PROFIT BEFORE INCOME TAX
47276345     
Income tax expense
(10 873 560)
NET PROFIT
36402785


at 2019/03/31

Title items March 31, 2019
           TJS
Interest income
 78802336
Interest expense
 (29997537)
Net expenses of loan losses
 (11830486)

NET INTEREST INCOME

 36974313     
Net Income on foreign exchange operations
 9539689              
Fee and commission income
 14435290               
Fee and commission expense
 (6700189)            
Other income
 4530061                 
NET NON-INTEREST INCOME
 21804851               
TOTAL OPERATING INCOME
 58779164              
OPERATING EXPENSES
 (42735484)            
PROFIT BEFORE INCOME TAX
16043680             
Income tax expense
(3690047)              
NET PROFIT
12353633             


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